In this conversation, Clytie Tammy and Peta-Kay discuss the evolution of personal finance perspectives over the years, emphasising the importance of stability, maturity, and financial literacy. Peta-Kay shares her journey of understanding the value of a stable job, the significance of investing early, and the strategies for managing debt effectively. They also touch on the emotional aspects of money management and the necessity of having a clear financial plan for the future. In this conversation, Peta-Kay and Clytie discuss various financial tools and strategies, including the use of apps like Revolut and Monzo for budgeting and rewards. They delve into the Double Payday initiative by Monzo, which incentivises users to get paid into their Monzo accounts. The discussion also covers travel budgeting techniques, investment basics for beginners, and the importance of financial planning. Peta-Kay introduces her Finance Reset session aimed at helping individuals take actionable steps towards financial success.

Peta-Kay King - www.instagram.com/yourfinancept

Website: pearlsandperils.com

Timestamps

00:00 Introduction to Financial Growth

02:58 Life Lessons in Your 30s

06:01 The Value of Stability vs. Entrepreneurship

09:05 Setting Up Financially for the Future

11:59 Investing Early: A Path to Financial Security

15:02 Holistic Financial Planning

17:59 Managing Holiday Expenses Wisely

20:53 Healthy Debt Management

24:38 Managing Credit Card Debt Effectively

27:21 Strategies for Overcoming Existing Debt

30:43 Understanding Debt Management Options

34:04 Building Financial Resilience Post-Debt

37:29 The Psychology Behind Spending Habits

41:28 Innovative Banking Solutions: Monzo and Revolut

47:26 The Art of Solo Travel

48:45 Budgeting for Travel Adventures

49:55 Financial Planning for Holidays

52:49 Savvy Spending and Cash Back Strategies

55:41 Investing Basics for Beginners

56:54 Understanding Risk in Investments

01:01:18 Long-Term Investment Strategies

01:04:15 The Finance Reset Workshop